Well, of course that is the pitfall of deductible plans. They get you one way or another. You either pay more in premiums or pay a high deductible. I crunched the numbers before we were on Medicare, and it turned out we paid the same out of pocket when compared to premium costs. But, when we chose a HDHP that was qualified for an HSA, we benefitted by being able to shelter savings and lower our taxable income.
But, we had to plan for a big cost early in the year. If you can’t do that, you are better off just paying the higher premiums for better coverage. My son just had a colonoscopy a week ago and they quoted his copay as $1700. His deductible is $1500 (low compared to many deductible plans).
Another option for you to consider is to discuss whether you really do need a scope as often. I have mine every 3 years now because all my biopsies have been negative for dysplasia. I only bring this up because your provider has no clue what your costs are or if it is a burden for you unless you tell him.
Jan 